BlissPoint Analytics

Occupation AtlasCredit Analysts

O*NET · 13-2041.00

Credit Analysts

Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.

Also called Commercial Credit Analyst · Commercial Credit Manager · Credit Administrator · Credit Analyst · Credit and Collections Analyst · Credit Assessment Analyst · Credit Assistant Manager · Credit Coordinator
13 more

Credit Manager · Credit Negotiator · Credit Officer · Credit Portfolio Manager · Credit Representative · Credit Risk Analyst · Credit Risk Manager · Credit Risk Specialist · Credit Specialist · Escrow Representative · Factorer · Loan Review Analyst · Municipal Fixed Income Analyst

Job Zone 4 — Considerable Preparation NeededHolland code CEI35 skills on file

Compare with another occupationCompare with Appraisers of Personal and Business Property

Job Zone

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5

Zone 4: Considerable Preparation Needed

Considerable preparation. Usually a bachelor's degree plus several years of work-related experience, knowledge, or training.

Job Zone is O*NET's rating of how much education, experience and training an occupation typically needs — a property of the work, not of anyone doing it.

Occupational interest profile

CEIConventional · Enterprising · Investigative — the three strongest interests, in order

  • C Conventional6.85
  • E Enterprising4.55
  • I Investigative3.79
  • S Social2.41
  • R Realistic1.00
  • A Artistic1.00

RIASEC (Holland) interests on O*NET's 0–7 scale: what the work draws on, not what any individual prefers. Hover a row for what each dimension means.

Education and experience

The education level respondents say the job requires, and the most common answer for experience and training.

  • Bachelor's Degree95%
  • Master's Degree5%
Related work experience
Over 1 year, up to and including 2 years (30%)
On-site or in-plant training
None (30%)
On-the-job training
Over 1 month, up to and including 3 months (35%)

Typically associated skills

All 35 O*NET skills, most important first. Importance (1–5) says how much a skill matters here; level (0–7) says how much of it the work calls for, with O*NET's example of a nearby level. Neither is a proficiency rating of a person.

  • Critical Thinkingbasic3.94.0Level 4 looks like: Evaluate customer complaints and determine appropriate responses
  • Reading Comprehensionbasic3.64.0Level 4 looks like: Understand an email from management describing new personnel policies
  • Speakingbasic3.64.0Level 4 looks like: Interview applicants to obtain personal and work history
  • Active Learningbasic3.63.6Level 4 looks like: Determine the impact of new menu changes on a restaurant's purchasing requirements
  • Active Listeningbasic3.54.0Level 4 looks like: Answer inquiries regarding credit references
  • Mathematicsbasic3.44.1Level 4 looks like: Calculate the square footage of a new home under construction
  • Writingbasic3.13.9Level 4 looks like: Write an email to staff outlining new directives
  • Judgment and Decision Making3.13.8Level 4 looks like: Evaluate a loan application for degree of risk
  • Complex Problem Solving3.03.0Level 2 looks like: Lay out tools to complete a job
  • Monitoringbasic3.03.0Level 2 looks like: Proofread and correct a letter
  • Service Orientation3.03.0Level 2 looks like: Ask customers if they would like a cup of coffee
  • Time Management3.03.0Level 2 looks like: Keep a monthly calendar of appointments
Show the other 23

Tasks

7 core · 4 supplemental

What people in this occupation do, as O*NET records it, core tasks first by importance (1–5).

  1. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.4.9
  2. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.4.8
  3. Prepare reports that include the degree of risk involved in extending credit or lending money.4.6
  4. Generate financial ratios, using computer programs, to evaluate customers' financial status.4.6
  5. Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.4.5
  6. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.4.3
  7. Consult with customers to resolve complaints and verify financial and credit transactions.3.1
Show the other 4
  1. Contact customers to collect payments on delinquent accounts.4.0
  2. Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.3.7
  3. Review individual or commercial customer files to identify and select delinquent accounts for collection.3.3
  4. Confer with credit association and other business representatives to exchange credit information.3.1

Knowledge

Bodies of knowledge the work draws on.

  • Economics and Accounting4.55.2Level 4 looks like: Develop financial investment programs for individual clients
  • English Language3.94.2Level 4 looks like: Edit an article for a news website
  • Mathematics3.94.8Level 4 looks like: Analyze data to determine areas with the highest sales
  • Law and Government3.33.8Level 4 looks like: Prepare documents and title papers for the purchase of a new house
  • Administrative3.04.2Level 4 looks like: Type 30 words per minute
  • Computers and Electronics2.93.0Level 4 looks like: Use a computer to format a document
  • Customer and Personal Service2.92.8
  • Administration and Management2.83.0Level 4 looks like: Monitor progress of a project to ensure timely completion
Show all 33
  • Production and Processing2.22.0Level 1 looks like: Put a computer back into its packing materials
  • Communications and Media2.11.6Level 1 looks like: Write a thank you note
  • Education and Training2.12.1Level 1 looks like: Show someone how to bowl
  • Sales and Marketing2.12.1Level 1 looks like: Sell cakes at a bake sale
  • Building and Construction1.81.2Level 1 looks like: Choose the proper type of wood for adding a deck onto a house
  • Geography1.81.8Level 1 looks like: Know the capital of the United States
  • Public Safety and Security1.81.1Level 1 looks like: Use a seatbelt
  • Personnel and Human Resources1.61.6Level 1 looks like: Fill out a medical claim form
  • Sociology and Anthropology1.61.1Level 1 looks like: Identify two cultures in a story as being different
  • Telecommunications1.60.5Level 1 looks like: Send an email
  • History and Archeology1.50.9Level 1 looks like: Take a class in US history
  • Psychology1.50.7Level 1 looks like: Monitor several children on a playground
  • Design1.3—
  • Engineering and Technology1.30.9Level 1 looks like: Install a door lock
  • Medicine and Dentistry1.3—
  • Philosophy and Theology1.3—
  • Transportation1.3—
  • Foreign Language1.2—
  • Mechanical1.2—
  • Biology1.1—
  • Chemistry1.1—
  • Fine Arts1.1—
  • Food Production1.1—
  • Physics1.1—
  • Therapy and Counseling1.1—

Abilities

Enduring capacities the work calls for.

  • Oral Expression4.04.1Level 4 looks like: Give instructions to a lost motorist
  • Inductive Reasoning3.94.1Level 4 looks like: Determine the prime suspect based on crime scene evidence
  • Oral Comprehension3.94.1Level 4 looks like: Understand a coach's oral instructions for a sport
  • Written Comprehension3.94.1Level 4 looks like: Understand an apartment lease
  • Deductive Reasoning3.84.5Level 5 looks like: Decide what factors to consider in selecting stocks
  • Mathematical Reasoning3.84.1Level 4 looks like: Decide how to calculate profits to determine the amounts of yearly bonuses
  • Number Facility3.84.4Level 5 looks like: Compute the interest payment that should be generated from an investment
  • Problem Sensitivity3.84.0Level 4 looks like: Notice from a subtle difference in a client's mood that something is bothering them
Show all 52
  • Information Ordering3.63.6Level 2 looks like: Follow the correct steps to make change
  • Near Vision3.64.3Level 5 looks like: Read the fine print of a legal document
  • Written Expression3.44.0Level 4 looks like: Write a job recommendation for a subordinate
  • Speech Recognition3.33.5Level 4 looks like: Identify a former customer's voice over the phone
  • Category Flexibility3.13.5Level 3 looks like: Classify flowers according to size, color, and smell
  • Speech Clarity3.13.1Level 4 looks like: Make stadium-wide announcements during a sporting event
  • Flexibility of Closure3.03.1Level 4 looks like: Look for a golf ball in tall grass
  • Perceptual Speed3.03.1Level 4 looks like: Read five pressure indicators in 10 seconds to make sure each is within safe limits
  • Fluency of Ideas2.92.9Level 2 looks like: Name four different uses for a screwdriver
  • Selective Attention2.92.9Level 2 looks like: Answer a business call with coworkers talking nearby
  • Speed of Closure2.82.9Level 3 looks like: Recognize a song after hearing only the first few notes
  • Originality2.62.6Level 2 looks like: Use a credit card to open a locked door
  • Memorization2.42.4Level 1 looks like: Remember the number on your bus to be sure you get back on the right one
  • Far Vision2.02.1Level 2 looks like: Read a roadside billboard
  • Finger Dexterity2.01.8Level 2 looks like: Put coins in a parking meter
  • Time Sharing2.02.0Level 2 looks like: Listen to music while entering numbers into a spreadsheet
  • Visualization1.91.8Level 2 looks like: Imagine how to place paper in a printer so that the letterhead comes out on top
  • Auditory Attention1.81.5Level 2 looks like: Listen to a lecture while people nearby are talking
  • Visual Color Discrimination1.81.5Level 1 looks like: Separate laundry into colors and whites
  • Arm-Hand Steadiness1.60.8
  • Hearing Sensitivity1.61.1Level 2 looks like: Notice a doorbell ringing
  • Manual Dexterity1.60.6Level 1 looks like: Screw a light bulb into a light socket
  • Trunk Strength1.51.0Level 2 looks like: Sit up in an office chair
  • Control Precision1.40.5
  • Depth Perception1.40.4
  • Wrist-Finger Speed1.3—
  • Dynamic Flexibility1.0—
  • Dynamic Strength1.0—
  • Explosive Strength1.0—
  • Extent Flexibility1.0—
  • Glare Sensitivity1.0—
  • Gross Body Coordination1.0—
  • Gross Body Equilibrium1.0—
  • Multilimb Coordination1.0—
  • Night Vision1.0—
  • Peripheral Vision1.0—
  • Rate Control1.0—
  • Reaction Time1.0—
  • Response Orientation1.0—
  • Sound Localization1.0—
  • Spatial Orientation1.0—
  • Speed of Limb Movement1.0—
  • Stamina1.0—
  • Static Strength1.0—

Work activities

Kinds of activity the work is made of.

  • Analyzing Data or Information4.75.6
  • Getting Information4.65.0Level 4 looks like: Review a budget
  • Working with Computers4.53.2Level 4 looks like: Write software for keeping track of parts in inventory
  • Processing Information4.45.2Level 4 looks like: Calculate the adjustments for insurance claims
  • Communicating with Supervisors, Peers, or Subordinates4.34.7Level 4 looks like: Report the results of a sales meeting to a supervisor
  • Making Decisions and Solving Problems4.14.7Level 4 looks like: Select the location for a major retail store
  • Updating and Using Relevant Knowledge3.94.4Level 4 looks like: Keep current on changes in maintenance procedures for repairing sports cars
  • Establishing and Maintaining Interpersonal Relationships3.84.7Level 4 looks like: Maintain good working relationships with almost all coworkers and clients
Show all 41
  • Evaluating Information to Determine Compliance with Standards3.83.8Level 4 looks like: Evaluate a complicated insurance claim for compliance with policy terms
  • Interpreting the Meaning of Information for Others3.83.7Level 4 looks like: Interpret how foreign tax laws apply to U.S. exports
  • Organizing, Planning, and Prioritizing Work3.74.3Level 4 looks like: Plan and adjust a personal to-do list according to changing demands
  • Identifying Objects, Actions, and Events3.63.9Level 4 looks like: Judge the suitability of food products for an event
  • Documenting/Recording Information3.53.4Level 4 looks like: Document the results of a crime scene investigation
  • Coaching and Developing Others3.03.5Level 4 looks like: Provide on-the-job training for administrative workers
  • Communicating with People Outside the Organization3.03.1Level 4 looks like: Present information to potential clients about available services
  • Judging the Qualities of Objects, Services, or People3.03.4Level 4 looks like: Determine the value of property lost in a fire
  • Training and Teaching Others3.03.2Level 4 looks like: Teach a social sciences course to high school students
  • Monitoring Processes, Materials, or Surroundings2.93.3Level 4 looks like: Test electrical circuits
  • Guiding, Directing, and Motivating Subordinates2.72.7
  • Performing Administrative Activities2.72.9
  • Developing and Building Teams2.62.6
  • Providing Consultation and Advice to Others2.63.1Level 4 looks like: Recommend a new software package to increase operational efficiency
  • Resolving Conflicts and Negotiating with Others2.62.7
  • Thinking Creatively2.63.3Level 4 looks like: Adapt popular music for a high school marching band
  • Developing Objectives and Strategies2.52.6
  • Estimating the Quantifiable Characteristics of Products, Events, or Information2.52.4Level 1 looks like: Estimate the size of household furniture to be shipped
  • Scheduling Work and Activities2.52.3Level 1 looks like: Make appointments for patients using a predetermined schedule
  • Coordinating the Work and Activities of Others2.32.5Level 1 looks like: Exchange information during a shift change
  • Selling or Influencing Others2.21.9Level 1 looks like: Convince a coworker to assist with an assignment
  • Staffing Organizational Units2.01.8Level 1 looks like: Work in a position that has minimal staffing requirements
  • Performing for or Working Directly with the Public1.91.2Level 1 looks like: Check tickets at a concert
  • Monitoring and Controlling Resources1.81.8Level 1 looks like: Work as a server responsible for keeping track of utensils
  • Assisting and Caring for Others1.71.1Level 1 looks like: Help a coworker complete an assignment
  • Inspecting Equipment, Structures, or Materials1.71.2Level 1 looks like: Check that doors to building are locked
  • Controlling Machines and Processes1.50.8Level 1 looks like: Operate a cash register
  • Handling and Moving Objects1.30.5Level 1 looks like: Change settings on copy machines
  • Performing General Physical Activities1.30.4Level 1 looks like: Walk between workstations in a small office
  • Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment1.2—
  • Operating Vehicles, Mechanized Devices, or Equipment1.1—
  • Repairing and Maintaining Electronic Equipment1.1—
  • Repairing and Maintaining Mechanical Equipment1.0—

Work context

The conditions most characteristic of the work, on O*NET's 1–5 context scale.

  • E-Mail5.0
  • Indoors, Environmentally Controlled5.0
  • Spend Time Sitting4.9
  • Face-to-Face Discussions with Individuals and Within Teams4.7
  • Telephone Conversations4.7
  • Importance of Being Exact or Accurate4.5
  • Determine Tasks, Priorities and Goals4.2
  • Time Pressure4.2
  • Importance of Repeating Same Tasks4.1
  • Written Letters and Memos4.1

Technology

41 tools

Software used in this work. In demand: among the tools job postings for this occupation name most. Hot: often named in job postings across the economy.

In demand (5)

  • Microsoft Excelhot
  • Microsoft Office softwarehot
  • Microsoft Outlookhot
  • Microsoft PowerPointhot
  • Microsoft Wordhot

Hot (7; 5 more marked hot above)

  • Microsoft SQL Server
  • Microsoft Visual Basic
  • Microsoft Visual Basic for Applications VBA
  • Python
  • SAP software
  • SAS
  • Structured query language SQL
Other tools (29)
  • CGI-AMS BureauLink Enterprise
  • CGI-AMS CACS Enterprise
  • CGI-AMS Strata
  • Credit adjudication and lending management system CALMS
  • Credit and risk analysis software
  • Credit fraud detection software
  • Dun and Bradstreet Global DecisionMaker
  • eCredit Enterprise
  • Equifax Advanced Decisioning
  • Equifax Application Engine
  • Equifax InterConnect
  • Experian Credinomics
  • Experian Detect
  • Experian FraudShield
  • Experian Quest
  • Experian Retention Triggers
  • Experian Strategy Management
  • Experian Transact SM
  • Fair Isaac Application Risk Model Software
  • Fair Isaac Capstone Decision Manager
  • Fair Isaac Falcon ID
  • Microsoft Dynamics
  • Moody's KMV CreditEdge
  • Moody's KMV Decisions
  • Moody's KMV Financial Analyst
  • Moody's KMV Risk Advisor
  • Moody's KMV Risk Analyst
  • Oracle Business Intelligence Enterprise Edition
  • Oracle JD Edwards EnterpriseOne

Related occupations

O*NET's own list of the occupations most related to this one, closest first.

  1. Credit Authorizers, Checkers, and Clerks
  2. Loan Officers
  3. Loan Interviewers and Clerks
  4. Credit Counselors
  5. Financial and Investment Analysts
  6. Personal Financial Advisors
  7. Financial Risk Specialists
  8. Accountants and Auditors
  9. Financial Examiners
  10. Securities, Commodities, and Financial Services Sales Agents

ESCO equivalents

From the official ESCO–O*NET crosswalk, strongest match first. A broader occupation takes in this one; a narrower one is a part of it.

Closest occupations

Compare any occupation →

Other O*NET occupations whose importance ratings on the 35 skills both rate are nearest to this one's, with the biggest differences named. A plain rule, not a hidden score.

Use this in your own job architecture

BlissPoint Organization Viewer can link a role directly to this occupation and suggest these skills as that role's starting requirements.

Try it free →

This page includes information from the O*NET 31.0 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license; O*NET® is a trademark of USDOL/ETA. ESCO occupations and skills are from the European Commission's ESCO classification, and the occupation crosswalk is the official ESCO–O*NET mapping by the ESCO Secretariat with USDOL/ETA. This service uses the ESCO classification of the European Commission. BlissPoint Analytics has modified all or some of this information: skill, task and descriptor ratings are rounded to one decimal, and ESCO occupations show Job Zone and interests copied from a crosswalked O*NET occupation. USDOL/ETA has not approved, endorsed, or tested these modifications.